Car Insurance Calculator Kenya (2026)
Estimate your motor insurance premium instantly. Compare third party, fire & theft, and comprehensive cover to find the best value.
Vehicle Details
Cover Type
Excess & Discounts
All Cover Types for Your Car
What Each Cover Type Includes
| Coverage | TPO | TPFT | Comprehensive |
|---|---|---|---|
| Third party bodily injury | |||
| Third party property damage | |||
| Fire damage to your car | |||
| Theft of your car | |||
| Accident damage to your car | |||
| Windscreen / glass cover | |||
| Vandalism | |||
| Natural disaster (floods, hail) | |||
| Towing / roadside assistance |
Types of Car Insurance in Kenya
Third Party Only (TPO)
The legal minimum required by Kenya's Insurance Act. Covers bodily injury and property damage you cause to third parties.
Cost: KES 3,000 - 15,000/year depending on vehicle type.
Best for: Older vehicles worth less than KES 300,000.
Third Party, Fire & Theft
Mid-range option that adds fire and theft protection to basic TPO coverage. Your car is covered if it is stolen or destroyed by fire.
Cost: TPO + roughly 1% of car value.
Best for: Vehicles worth KES 300,000 - 800,000 in high-risk areas.
Comprehensive Cover
Full protection covering your vehicle, third parties, theft, fire, vandalism, natural disasters, and often includes towing and windscreen cover.
Cost: 4-7% of car value per year (min KES 25,000).
Best for: Vehicles worth over KES 800,000, financed cars, and newer models.
Required Documents for Car Insurance in Kenya
5 Ways to Reduce Your Car Insurance Premium
1. Build your No Claims Discount
Every claim-free year earns you 10% off, up to 40%. Four years without a claim means almost half-price insurance.
2. Install a vehicle tracker
GPS tracking devices like Carzuka Tracker or Master Tracking can get you 5-10% off comprehensive premiums. Insurers see tracked cars as lower risk.
3. Choose a higher excess
Opting for KES 25,000-50,000 excess instead of the standard KES 15,000 can reduce your premium by 10-15%. Only do this if you can afford the higher out-of-pocket cost.
4. Park in a secure location
Cars parked in gated compounds or garages overnight are cheaper to insure. Some insurers ask about parking during the quotation process.
5. Compare at least 3 quotes
Premiums vary by 20-30% between insurers for the same car. Get quotes from at least Jubilee, Britam, and CIC or use a broker like Lami or mTek.
Frequently Asked Questions
Get Quotes from Kenya's Top Insurers
This calculator gives you an estimate. For exact quotes, contact insurers directly or use an insurance aggregator. Rates vary based on your specific vehicle, location, and claims history.
Disclaimer: This calculator provides estimates based on typical Kenyan motor insurance rates for 2026. Actual premiums vary by insurer, your driving history, vehicle condition, and location. Always get formal quotes from licensed insurance companies regulated by the Insurance Regulatory Authority (IRA) of Kenya. This tool does not constitute financial or insurance advice.